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Privacy Policy/Terms & Conditions

FACTS WHAT DOES NORTHWESTERN BANK, N.A.
DO WITH YOUR PERSONAL INFORMATION?
Rev. January 2011
Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
 What?  The types of personal information we collect and share depend on the product or service you have with us. This information can include:

  • Social Security numbers and income
  • account balances and payment history
  • credit history and credit scores

When you are no longer our customer, we continue to share your information as described in this notice.

 How?  All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons NORTHWESTERN BANK, N.A. chooses to share; and whether you can limit this sharing.
 Reasons we can share your personal information  Does NORTHWESTERN BANK, N.A. share? Can you limit this sharing?
 For our everyday business purposes—
such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus
 Yes No
 For our marketing purposes—
to offer our products and services to you
 No  We don’t share
 For joint marketing with other financial companies  No  We don’t share
 For our affiliates’ everyday business purposes—
information about your transactions and experiences
 No  We don’t share
 For our affiliates’ everyday business purposes—
information about your creditworthiness
 No  We don’t share
 For nonaffiliates to market to you  No  We don’t share
 Questions?  Call (888) 378-7373 or go to our website www.nwbanks.com or you can email us at info@nwbanks.com
 Page 2
 What we do
 How does NORTHWESTERN BANK, N.A. protect my personal information?  To protect your personal information from unauthorized access and use, we use security measurements that comply with federal law. These measures include computer safeguards and secured files and buildings.
 How does NORTHWESTERN BANK, N.A. collect my personal information?  We collect your personal information, for example, when you

  • open an account or deposit money
  • pay your bills or apply for a loan
  • use your credit or debit card

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

 Why can’t I limit all sharing?  Federal law gives you the right to limit only

  • sharing for affiliates’ everyday business purposes— information about your creditworthiness
  • affiliates from using your information to market to you
  • sharing for nonaffiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.

 Definitions
 Affiliates  Companies related by common ownership or control. They can be financial and nonfinancial companies.

  • NORTHWESTERN BANK, N.A. has no affiliates.
 Nonaffiliates  Companies not related by common ownership or control. They can be financial and nonfinancial companies.

  • NORTHWESTERN BANK, N.A. does not share with nonaffiliates so they can market to you.
 Joint marketing  A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

  • NORTHWESTERN BANK, N.A. doesn’t jointly market.

 

Terms and Conditions

By accessing this web site, you are agreeing to be bound by these terms and conditions. If you do not agree, do not access this web site. Terms and conditions may be revised at any time without notice.

Copyright
Copyright in the pages, in the screens displaying the pages and in the information, materials and other content contained in this web site is owned by Northwestern Bank unless otherwise indicated and is protected by U.S. and international copyright laws and treaties. The information, materials and other content of this web site may not be copied, displayed, distributed, downloaded, licensed, modified, published, reposted, reproduced, reused, sold, transmitted, used to create a derivative work, or otherwise used for public or commercial purposes without the express written consent of Northwestern Bank.

Products and Services
The information, materials, products and services on this web site are subject to change. Not all products and services are available in all geographic areas. Your eligibility for particular products or services is subject to determination by and the approval of Northwestern Bank. No solicitation is made by Northwestern Bank to any person to use any information, materials, products or services in any jurisdiction where the provision of such information, materials, products and services is prohibited by law.

No Warranty
NORTHWESTERN BANK DOES NOT WARRANT THE ACCURACY, ADEQUACY, COMPLETENESS OR TIMELINESS OF THE INFORMATION, MATERIALS, PRODUCTS AND SERVICES ON THIS WEB SITE OR THE ERROR-FREE USE OF THIS WEB SITE. ALL INFORMATION, MATERIALS, PRODUCTS AND SERVICES ARE FURNISHED ‘AS IS’ AND “AS AVAILABLE.” NO WARRANTY OF ANY KIND, EXPRESSED OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF NON-INFRINGEMENT OF THIRD PARTY RIGHTS, TITLE, MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND FREEDOM FROM COMPUTER VIRUS IS GIVEN IN CONJUNCTION WITH THE INFORMATION, MATERIALS, PRODUCTS AND SERVICES.

Limitation of Liability
IN NO EVENT SHALL NORTHWESTERN BANK BE LIABLE FOR ANY DAMAGES, LOSSES OR LIABILITIES INCLUDING WITHOUT LIMITATION, DIRECT OR INDIRECT, SPECIAL INCIDENTAL, CONSEQUENTIAL DAMAGES LOSSES OR LIABILITIES, IN CONNECTION WITH YOUR USE OF THIS WEB SITE OR YOUR RELIANCE ON OR USE OR INABILITY TO USE THE INFORMATION, MATERIALS, PRODUCTS AND SERVICES ON THIS WEB SITE, OR IN CONNECTION WITH ANY FAILURE OF PERFORMANCE, ERROR, OMISSION, INTERRUPTION, DEFECT, DELAY IN OPERATION OR TRANSMISSION, COMPUTER VIRUS OR LINE OR SYSTEM FAILURE, EVEN IF NORTHWESTERN BANK IS ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, LOSSES OR EXPENSES.

Hyperlinks
Your use of the hyperlinks on this web site to other Internet sites is at your own risk. Northwestern Bank is not responsible for the content or accuracy of third party sites hyperlinked from this web site nor does it guarantee the products or services offered on third party sites. You should review the privacy statements of a web site before you provide any personal or confidential information.

Applicable Law
Your use of this web site is governed by Minnesota and applicable federal law. Northwestern Bank is not responsible for the content of third party sites hyperlinked from this page, nor does it guarantee the products or services offered on third party sites. You should review the privacy statement of a web site before you provide personal or confidential information.